What TTG does

TTG (Shenzhen TaoTaoGu Information Technology Co., Ltd), operating through its ASX-listed parent FinTech Chain Limited (ASX: FTC), is a Shenzhen-headquartered fintech infrastructure provider founded in 2011 that has built its business around its proprietary Financial Electronic Authentication (FEA) technology. FEA was the first open financial network platform in China combining bank-card and non-bank-card accounts for clearing, settlement, and authentication of digital transactions, and it underpins the company's flagship T-Linx Smart Cloud Service System. The platform integrates cash, bank card, QR code, NFC, mobile payment, facial recognition, and royalty point acceptance on unified hardware, with supporting modules spanning Payment T+, Clearing F.E.A, and Cloud T-Linx, plus a dedicated hardware line (T-PAD, T-BOX, TL series, D30 Cloud Speaker).

The company operates a B2B enterprise model targeting banks and financial institutions as primary customers, with over 1,000 banks and 100,000+ bank branches reportedly using T-Linx and processing 30+ million transactions daily. Named customers include China Merchants Bank, Ping An Bank, Everbright Bank, Bank of China, China Minsheng, SPD Bank, Hengfeng Bank, China Construction Bank, and multiple provincial rural credit unions. Revenue is generated through transaction fees, hardware sales, software licensing of the T-Linx platform, professional services to member banks of rural credit cooperatives, and commissions from partner platforms. Distribution combines direct enterprise sales with channel partnerships through ERP providers (Kingdee, Sixun, GuanJiaPo), UnionPay's network, and exclusive distributors (Taiwan Boom FinTech for Taiwan, YDD for domestic POS rollout). The company holds 160+ patents, ISO 9001/14001/27001, PCI DSS, CMMI3, CCRC, and PCAC Acquiring Outsourcing Service Institution registration, and is a designated National Standard Drafting Unit for smart cities, smart campuses, all-in-one cards, and e-commerce.

Name

TTG

Legal name

FinTech Chain Limited

Website

https://ttg.hk

Company type

Public

Founded year

2011

Operating status

Operating

Headcount range

101–250 employees

Short description

TTG (ASX: FTC) is a Shenzhen-based fintech infrastructure provider offering its proprietary Financial Electronic Authentication (FEA) technology and T-Linx integrated payment platform to over 1,000 Chinese banks and 600,000+ merchants, processing 30M+ daily transactions across 100,000+ bank branches.

Ownership category

akta.pro rank

Product category

Payment Processing Software (Fintech / Integrated Payment Acquiring Platforms)

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Sales Financing (52222)

SIC

Services-Computer Integrated Systems Design (7373), Services-Computer Programming Services (7371)

akta.pro primary industry

POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO)

akta.pro secondary industries

Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB), Billing, Subscription & Revenue Management Infrastructure (FSAGABAM), Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE)

Keywords

• Integrated payment systems
• Payment acquiring solutions
• Financial electronic authentication
• POS terminal hardware
• Payment gateway services

Headquarters

HQ city

Shenzhen

HQ country

China

HQ region

Asia

Offices3 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure, Supply Chain

Revenue model

1. Transaction Fees: TTG charges fees based on transactions where its FEA technology and T-Linx system is employed. Revenue generated per transaction on the ULPOS platform and other transactions using FEA technology.
2. Hardware Sales: Sale of POS terminals and payment hardware devices including T-PAD, T-BOX, TL series devices to merchants and financial institutions.
3. Software Licensing and Platform Fees: Licensing of T-Linx platform and FEA technology to banking partners and enterprise customers for integrated payment solutions.
4. Service Provider Fees: Fees for providing integrated payment industry application services to banks, including technical services and support for member banks of rural credit unions and other financial institutions.
5. Commission from Partnerships: TTG receives commission based on online education training courses and other services provided through partner platforms using TTG's FEA technology.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

TTG develops and sells an integrated fintech platform that enables Chinese banks and financial institutions to provide merchant acquiring, payment processing, and financial authentication services. Its core offerings include the proprietary Financial Electronic Authentication (FEA) technology, the T-Linx Smart Cloud Service System, the ULPOS open financial network platform, POS terminal hardware, and vertical-specific solutions for banking, retail, catering, education, and community scenarios. Revenue is generated through transaction fees on FEA-processed payments, hardware sales, software licensing, and professional services to banking clients.

Product overview

TTG (深圳市淘淘谷信息技术有限公司) is a fintech company providing an integrated platform-plus-modules architecture. The core platform is T-Linx Smart Cloud Service System, which integrates payment processing, transaction management, and business marketing for merchants. Supporting platforms include the FEA (Financial Electronic Authentication) system and ULPOS Platform for financial electronic authentication services. The product portfolio spans four main categories: Payment T+ (comprising Prepaid Card, Integrated Payment System, Commission Assignment System, and POS hardware), Clearing F.E.A (including BIN Based Promotion Tool, Transaction E-Authentication, Horizontal Clearing Platform, and Universal Points Platform), Cloud T-Linx (Digital Community Service, T-Linx Cloud Service, Community O2O Service, and E-Commerce Supply Chain), and Hardware devices (T-PAD, T-BOX, TL-007, TL-008/009, TL-Mini, and D30 Cloud Speaker). Additional offerings include facial recognition payment product 'Flounder', Merchant Risk Management Solution with Tencent Cloud, Smart Campus Canteen All-in-one Card Solution, and Bank Marketing Management System.

Differentiator

Problem solved

Functional benefit

Brands

• Payment T+: Payment solution platform for transaction processing and payment path design
• Clearing F.E.A
• Cloud T-Linx
• ULPOS Platform
• T-Linx
• Flounder

Products and services

• T-Linx Smart Cloud Service System Core cloud service platform that integrates payment processing, transaction management, and business marketing for merchants across catering, retail, and financial institutions. Accommodates cash, bank card, debit card, QR code, NFC, mobile payment, royalty points, and facial recognition on unified hardware with CRM, coupon management, transaction data analytics, and customer loyalty functions.
• FEA (Financial Electronic Authentication) Pioneering financial Internet technology platform providing electronic authentication for bankcard-based electronic coupons and transactions, combining bank-card and non-bank-card accounts for clearing, settlement, digital currency clearing, commission payment, and multi-functional financial transaction authentication.
• ULPOS Platform Basic network platform providing financial electronic authentication (FEA) service supported by UnionPay Merchant Services. Enables electronic coupon authentication, cash coupons, reward points, and membership authentication linked to bankcards.
• T-PAD Smart POS Terminal Smart tablet computer functioning as POS terminal supporting various payment methods (cash, bank card, QR code, NFC, mobile payment, facial recognition) for small and medium merchants, with value-added functions including financial management, capital collection, trading inquiry, and purchase-sale-stock analysis.
• T-BOX POS Device Hardware POS device in TTG's product lineup, part of the integrated payment hardware portfolio.
• TL-007 POS Device Hardware POS device in TTG's product lineup, supporting integrated payment acceptance through the T-Linx platform.
• TL-008/009 POS Devices Hardware POS devices in TTG's product lineup, supporting integrated payment acceptance through the T-Linx platform.
• TL-Mini POS Device Compact hardware POS device in TTG's product lineup, supporting integrated payment acceptance for small-merchant use cases.
• D30 Cloud Speaker (Payment Cloud Speaker) Payment cloud speaker with 4G/4G+WiFi/WiFi communication variants, voice broadcast capability up to 95dB at 10cm distance, 32-bit high-performance CPU at 624 MHz, 16MB RAM+16MB ROM, passed 3C certification.
• Flounder Facial Recognition Payment Product First integrated facial recognition payment product that simultaneously supports both UnionPay and WeChat facial recognition payment on a single hardware device, breaking the prior pattern where one device could only support one facial recognition payment scheme.
• Merchant (Full Life-Cycle) Risk Management Solution Full life-cycle intelligent risk control system jointly launched with Tencent Cloud for cooperating banks, providing solutions for merchant approval, in-process transaction monitoring models, and post-event manual screening and review. Leverages WeChat Pay risk control tags and Tencent Financial Technology's security experience.
• Smart Campus Canteen All-in-one Card Solution Integrated campus card solution providing campus card issuance, acceptance applications (access control, campus consumption, water/electricity control), payment and settlement for educational institutions such as schools and universities.
• Bank 'Good Start' Marketing Management System Mobile marketing management system for banks enabling event management, automatic registration and reconciliation of gift distribution orders, merchant expansion, mobile fast submission management, acquiring contract modification, and merchant clearing/reconciliation. Connects banks' back-end payment acquiring management system to a mobile end.
• T-Linx All-Purpose Card Project (Campus/Enterprise/Park) Technical Service Provider project for Hengfeng Bank (Evergrowing Bank) delivering an All-Purpose Card system integrated for campus, enterprise and park scenarios including canteen, dormitory, access control, and parking management.
• One-Card O2O Life Service Platform O2O life service platform enabling payment, discounts, point rewards and horizontal alliance across online and offline convenience stores for community-based retail chains. Includes CRM and customer loyalty tools.

Quantifiable outcome

• Processing over 30 million transactions per day across 1,000+ banks
• +4 more outcomes

Named customers20 records

Segments5 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature7 records

Partnerships

26 partnerships are on record, tiered core, major, regional and minor.

• Tencent CloudcoreTechnology or Integration · 24 October 2021Taotaogu and Tencent Cloud jointly launched Merchant (full life-cycle) Risk Management Solution for cooperating banks. Leverages WeChat Pay's risk control tags and Tencent Financial Technology's security experience to provide comprehensive merchant risk management including approval, transaction monitoring, and post-event screening.
• Kingdee Cloud GalaxycoreTechnology or Integration · 2 December 2020Kingdee Cloud Galaxy developed based on Kingdee Cloud Cosmic PaaS platform. TTG provides comprehensive payment and financial services integration with ERP, purchase/sales/inventory management, supply chain management, and financial management. Deeper business cooperation through ecological interconnection.
• Sixun PaymajorTechnology or Integration · 28 November 2020Interconnection between TTG T-Linx Payment Gateway and Sixun cash register software. TTG T-Linx 3.0+ supports fast configuration of different banks' gateway addresses. Sixun provides integrated retail/supermarket cash register solution to over 600,000 merchants. Standardized payment gateway configuration improves efficiency between banks and merchants.
• GuanJiaPo Software (管家婆软件)majorTechnology or Integration · 21 November 2020National well-known ERP service provider GuanJiaPo cooperates with TTG to support merchants in enabling integrated payment. Merchants using GuanJiaPo software can efficiently activate payment services through TTG T-Linx payment gateway configuration.
• Guangdong Rural Credit UnioncoreChannel Partner/ Reseller/ Distributor · 15 October 2019TTG won bid to be service provider of Guangdong Rural Credit Union in Integrated Payment Industry Applications. Provides technical services and support for member banks in payment solutions of industry scenes. Follows previous wins with Hunan, Shaanxi, Shanxi, Jiangxi, Hubei Rural Credit Unions, China Merchants Bank, Ping An Bank, and Everbright Bank.
• Kingdee International Software Group Co., LtdcoreStrategic or Co-development Partner · 14 June 2016TTG signed MOU with Kingdee, a market leader in enterprise management software in PRC listed on HKEX (Ticker 0268). TTG provides payment solutions integrated into Kingdee's cloud warehousing and cloud accounting functions, while promoting Kingdee's products to TTG's clients. Partnership enables TTG to penetrate the biggest enterprise market in PRC. The collaboration was extended in 2020 with Kingdee Cloud Galaxy integration.
• Taiwan Boom FinTech Co Ltd (TBF)regionalChannel Partner/ Reseller/ Distributor · 19 May 2016TBF, incorporated in Taiwan, provides intelligent POS platform cloud systems and IP rights to Taiwanese banks, telecom companies, retail chains and merchants. TBF received exclusive rights to distribute and sell TTG's products and solutions in Taiwan, marking the formal start of TTG's Taiwan business.
• Shenzhen Xinguodu Payment Technology Co., Ltd (XGD Payment)coreStrategic or Co-development Partner · 20 April 2016XGD Payment is a wholly-owned subsidiary of Shenzhen Xinguodu Technology Co., Ltd (GEM: 300130), dedicated to R&D and manufacture of POS terminals. The strategic partnership enables software and hardware integration for financial services, combining TTG's payment solutions with XGD's POS hardware to achieve breakthroughs in smart finance development.
• Henan Malame Industrial Co., Ltd (MLM)majorStrategic or Co-development Partner · 24 December 2015MLM is retail chain with convenience supermarkets and stores, including 2 integrated shopping malls, nearly 50 self-supporting chain supermarkets, and 10,000 sqm goods distribution center. Strategic cooperation to develop e-commerce market at communities through One-Card O2O Life Service Platform.
• Shenzhen TiaoWuLan Technology Co., Ltd (TYL)minorStrategic or Co-development Partner · 30 October 2015Strategic investment in TYL devoted to providing mobile Internet solutions for flower industry O2O mode. TTG's investment aims to change traditional flower industry, integrate flower industry chains and bring new possibilities into O2O development.
• Shenzhen Institute of Standards and Technology (SIST) and E-Business Better Service (EBS)coreStrategic or Co-development Partner · 6 August 2015Cooperation for development and promotion of mobile and smartphone payment standards in China. SIST develops mobile payment technology standards under Market and Quality Supervision Commission. EBS develops trusted e-commerce transactions environment. SIST and EBS assist TTG in promoting FEA intellectual properties and payment standards to government bodies.
• First Data ChinamajorStrategic or Co-development Partner · 22 May 2015TTG signed LOI with First Data China, subsidiary of First Data Corporation (Atlanta). Partnership for R&D and commercialization of FirstPOS software platform for Chinese market. First Data is global technology leader serving more than 6 million merchants and financial institutions in 34 countries.
• Alipay (China) Network Technology Co., LtdcoreChannel Partner/ Reseller/ Distributor · 7 January 2015TTG became authorized distributor of Alipay (China). T-LINX Smart Cloud Service Platform integrates with Alipay in catering, entertainment, retail, commercial circulation, real estate, and financial institutions. Comprehensive achievement of O2O business model of Alipay. TTG became 2014-2015 Authorized Distributor.
• Shenzhen YiDianDian E-commerce Co., Ltd (YDD)majorChannel Partner/ Reseller/ Distributor · 5 November 2014YDD authorized as merchant developer and professional service provider of TTG's intelligent POS equipment. YDD has wealth of resources in professional promotion, service team, merchant development and business service. Cooperation aims to get TTG's intelligent POS equipment into national market and build YDD into largest third-party professional service provider of merchant intelligent terminal.
• Bingo (China) Supply Chain Management Co., LtdmajorStrategic or Co-development Partner · 10 October 2014Bingo is well-known convenience store chain in China. MOU for TTG to provide FEA services enhancing Bingo's online/offline integration, O2O system design and data mining. TTG receives fee per Bingo transaction and 5% share of new Bingo Company after restructure.
• Broad Link Group (BLG)majorStrategic or Co-development Partner · 19 September 2014BLG is conglomerate focused in property development and management, financial investment, hotel management, retail and beverage sectors. TTG provides FEA services enhancing BLG's online/offline integration, O2O account digitalization and data mining. Extends FEA services into property sector.
• Beijing JuZhenMoFang Network Technology Co., LtdregionalChannel Partner/ Reseller/ Distributor · 26 August 2014Education training company assisting China small entrepreneurs to embrace online businesses. TTG provides sole distributorship of its One-Card system. TTG earns commission based on online education training courses using TTG's FEA technology.
• AVIC (Shenzhen) Financial Network Company LimitedmajorChannel Partner/ Reseller/ Distributor · 30 June 20145-year agreement with AVIC group company. TTG supplies FEA technology to support AVIC Shenzhen's financing activities to small-to-medium enterprises with reliable POS data and risk management. TTG charges fees based on transactions where FEA technology is employed.
• China UnionPay Financial NetworkcoreChannel Partner/ Reseller/ Distributor · 16 May 2014Strategic partner providing largest financial POS network in China (UnionPay Merchant Services). TTG is the only operator of open-ended financial electronic authentication service platform on UnionPay network. ULPOS platform provides authentication solutions for billions of cardholders and millions of merchants.
• Shenzhen GuoNaBaiChuan FinTech Co., Ltd (GNBC) and China Taiping Insurance GroupmajorStrategic or Co-development Partner · 22 April 2014Tripartite strategic cooperation meeting for big data analysis, application and platform development. GNBC provides tri-networks integration Internet finance solutions. Three parties to give full play to respective advantages to promote innovative cooperation, boost industrial complementation and achieve win-win development.
• Kuang-Chi Innovative Technology LtdcoreStrategic or Co-development Partner · 10 April 2014Strategic cooperation framework agreement for mobile photonic payment solution combining Kuang-Chi's intelligent photonic technology with TTG's FEA service platform, IPP's financial network resources, and China Telecom's BestPay business. Creates integrated chain of payment medium, discount vouchers, and offline data. Jointly announced formulation of national standards for this technology.
• Bank of China (BOC)coreChannel Partner/ Reseller/ Distributor · 1 March 2014Launch of Inclusive Financial Innovation project. FEA platform enables BOC merchants to extend service network and cardholders to enjoy convenient offline merchant services. Alliance across industries provides intangible value-added services for BOC cardholders while increasing card transaction volume.
• China Telecom Shenzhen BranchcoreChannel Partner/ Reseller/ Distributor · 1 February 2014Launch of ULPOS & e surfing Life mobile payment application in Shenzhen. Users link BestPay accounts with various coupons, membership cards and points, achieving automatic verification and settlement for bankcard consumption at merchants. Over 3,000 alliance merchants available.
• Shanghai Pudong Development Bank (SPD Bank)coreChannel Partner/ Reseller/ Distributor · 1 November 2013Cooperation with SPD Bank Credit Card Center to develop innovative O2O solution. Combines high-quality merchant resources on UnionPay ULPOS platform to extend acceptance environment for SPD Bank credit card points, enabling users to enjoy discounts across China.
• Shenzhen Intelligent Preferential Pay IT Co., Ltd (IPP)coreStrategic or Co-development Partner · 12 July 2013Strategic investment cooperation agreement. IPP provides financing activities using newly developed technologies. TTG cooperates with IPP for strategy, capital, market and technology to jointly support the ULPOS platform of China UMS. Joint venture negotiation conducted in 2014 for photonic payment solution development.
• 365SQ (Fuzhou Yong'an E-Commerce Co., Ltd)majorStrategic or Co-development Partner · 26 October 2012Strategic partnership for construction of community network information based on integration of both advantages. 365SQ is comprehensive portal website with property management focus. Jointly building online/offline network-covered community financial electronic authentication platform combining community overlay network with TTG's technology and commercial accumulation.

Scale indicators9 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Newland Payment Technology: Newland Payment Technology is a major Chinese POS terminal manufacturer and payment solutions provider. It competes directly with TTG in POS hardware (smart POS, traditional terminals) and integrated payment software for banks and merchants across China.
• PAX Global Technology: PAX Global is a leading Chinese POS terminal manufacturer and payment solutions provider listed in Hong Kong. It is directly comparable to TTG as both sell POS hardware and integrated payment solutions to banks and acquirers, with overlapping customer bases in China and emerging markets.
• Sunmi Technology: Sunmi is a Chinese smart POS hardware and software platform provider offering integrated payment terminals and business management applications. It is comparable to TTG's T-PAD and T-Linx product line, serving similar SME merchant segments with Android-based smart POS solutions.
• Lakala Payment: Lakala is a leading Chinese third-party payment service provider offering POS acquiring, integrated payment solutions, and merchant services. It directly competes with TTG in providing payment acquiring infrastructure to Chinese banks and merchants, though at a much larger scale.
• Shenzhen Xinguodu (XGD): Xinguodu is a Chinese POS hardware manufacturer (listed on GEM: 300130) and TTG's strategic partner. It is directly comparable because both companies target bank acquiring and merchant payment acceptance, though Xinguodu is more hardware-focused and TTG is more software/platform-focused.
• Fujian Landi (Landi Pay): Landi is a Chinese electronic payment terminal manufacturer and payment solutions provider. It directly competes with TTG in POS hardware and integrated payment acquiring solutions for Chinese banks, with similar product positioning in smart POS and payment software.

Broad incumbents

• UnionPay (China UnionPay): China UnionPay operates China's dominant bankcard payment network and is TTG's most important infrastructure partner. While not a direct competitor, UnionPay is comparable as the broad incumbent that controls the underlying payment network on which TTG's FEA/ULPOS platform operates.
• First Data (Fiserv): First Data (now part of Fiserv) is a global payment technology company and TTG's strategic partner via First Data China. It is comparable as a broad incumbent offering POS, payment processing, and merchant services globally, including in the Chinese market.
• Ingenico (Worldline): Ingenico (now part of Worldline) is a global POS terminal and payment solutions provider. It is comparable to TTG as a broad incumbent in integrated payment acceptance, with overlapping product categories in smart POS and payment software.
• Verifone: Verifone is a global leader in POS hardware and integrated payment solutions. It is comparable to TTG as a broad incumbent offering POS terminals and payment acceptance infrastructure, though it serves global markets while TTG focuses on China.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance13 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Subsidiaries1 record

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about TTG